VA Home Loans

Home Loans Built for Military Families. VA loans are an exclusive benefit for eligible veterans, active-duty service members, and their families—offering $0 down payment, no private mortgage insurance, and competitive rates. At BayFirst, we’re proud to help you take full advantage of the homeownership opportunities you’ve earned.

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VA loans are backed by the Department of Veterans Affairs (VA) and are part of a government loan program that offers qualifying veterans, service members and surviving spouses low-cost mortgages for purchasing a home or refinancing.

VA loans offer many advantages over conventional loans, including:

  • Low or no down payment options
  • Low interest rates and credit requirements
  • No monthly mortgage insurance required
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Why BayFirst?

At BayFirst, we’re Here for What’s Next®, including your new address. But before you set up camp, you’ll need to get started on finding the right mortgage. For more than 20 years, BayFirst’s expert mortgage lenders have been helping buyers like you find the best rates, terms, and loan types to get you moving into your next home base.

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What’s The Next Step?

Get Preapproved

Use the BayFirst Buyer Ready Program to get preapproved and ahead of the competition.

Go Shopping

Stay within your preapproved limit, keeping in mind closing costs, inspections and other additional fees associated with buying a home.

Lock In A Rate

Once you’ve found the home you want, you’ll lock in a rate as the application is processed.

Move In

After the application process is complete, you’re clear to close, grab the keys and move on in.

To obtain a VA loan, you’ll first need to apply for a Certificate of Eligibility to show your lender that you qualify based on your service history and duty status.

Need help? A VA loan expert at BayFirst can help you submit your application. Next, gather your income history, debt information, social security number and bank statements. Still on the fence or need more details?

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VA Loan FAQs

Do all veterans qualify for VA loans?

No, there are strict service requirements. The VA or your lender can help determine this when applying for your Certificate of Eligibility (COE).

What is the benefit of a VA loan vs. a conventional loan?

VA loans come with great rates and do not require money down or private mortgage insurance — a major advantage for many young homebuyers.

Do my kids qualify for VA loans if I served?

VA loans are for veterans, active service members, and the surviving spouses. Other family members do not qualify.

Are VA loans hard to close?

Though VA loans were once more complicated, today they are just as easy to close as traditional loans, provided an experienced VA lender is in the mix. In many instances, VA loans can close faster than traditional loans.

For more information about VA loans, including some myths, visit our blog.

All loans subject to approval, including credit approval. Income, credit and property restrictions may apply. Other programs available. Programs subject to change or termination without notice. BayFirst National Bank is not affiliated with the Federal Housing Administration, U.S. Department of Veterans Affairs, or any other government agency.